Specific calculation formula: credit card service fee = credit card rate × credit card amount.

1. Credit card handling fee is usually the fee paid by merchants to banks and third-party institutions, that is, it is deducted from the cardholder's card amount, and the rest is the amount actually received by merchants. Some merchants will refuse to swipe their cards unless the cardholder voluntarily bears the handling fee, so it is necessary to understand the charging standard and algorithm of the handling fee for swiping cards.

2. The general credit card service fee is determined by the POS credit card rate and card amount. The rate of traditional credit card and flash payment is different. If you swipe your card in the traditional way, such as inserting the card directly into the POS machine, the standard rate is 0.6%; Flash payment, 0.38% below 1000 and 0.6% above 1000.

1. Shops need to pay 2-3% handling fee to banks and credit card centers after accepting customers' credit cards. This is called credit card handling fee. 20 12,110/0, the central bank issued the Notice of the People's Bank of China on Implementing the Adjustment of Credit Card Processing Fees, saying that this fee reduction only involves domestic bank card consumption transactions. On February 25th, 20 13, the Regulation on Merchants' Credit Card Fees implemented in 2003 was abolished at the same time, and the overall credit card rate was lowered by 23% to 24%.

2. After accepting customers' credit cards, specialty stores should pay 2-3% handling fees to banks and credit card centers. In order to save costs, some manufacturers will ask cardholders to pay extra fees, because credit cards must be invoiced, so stores can't evade taxes.

3. According to the current income distribution method of inter-bank transactions of bank cards of China UnionPay network access institutions, the settlement fees of bank card acquiring business are borne by merchants, but the rates implemented by different industries are different, ranging from 0.5% to 4%. Generally speaking, the credit card rate of retail industry is 0.8%- 1%, that of supermarket is 0.5%, and that of catering industry is 2%.

4.20 12,11June, the central bank issued the Notice of the People's Bank of China on Practically Adjusting and Implementing the Standard of Credit Card Fees, stating that the fee reduction only involved domestic bank card consumption transactions, and the merchant credit card service fee implemented in 2003 was cancelled at the same time from February 25th, 20 13, and the overall credit card rate decreased by 20%.

5. The central bank notified the bank card processing fee standard shown in the annex to maintain the differentiated pricing of the current card processing fee industry. Industry classification is mainly divided into four categories: catering and entertainment, comprehensive, people's livelihood and public welfare. The overall decline was 23% to 24%, of which catering and entertainment decreased by 37.5%.

6. The first category is catering and entertainment, including catering, entertainment, jewelry, handicrafts, real estate and automobile sales. The comprehensive rate decreased from 2% to 1.25%, a decrease of 37.5%. Among them, the service fee of the issuing bank is 0.9%, the network service fee of the bank card clearing institution is 0. 13%, and the benchmark price of the acquiring service fee (which can fluctuate up and down 10%) is 0.22%. The unit price of real estate and automobile sales has increased from the original10 yuan to 80 yuan.

7. The second category is general, including department stores, wholesale, social training, intermediary services, travel agencies, scenic spots tickets, etc. , the comprehensive rate was reduced to 0.78%, including 0.55% for the service fee of the issuing bank, 0.08% for the network service fee of the bank card clearing institution, and 0.15% for the benchmark price of the service fee for acquiring.

8. The third category is people's livelihood, which mainly includes supermarkets, hypermarkets, water and electricity payment, refueling, transportation ticketing, etc. , the overall rate is 0.38%. The fourth category is hospitals, education and other public welfare categories with zero interest.

How to calculate the credit card handling fee?

The fees charged by credit cards are different. Generally, the fee for swiping the card is borne by the merchant, but sometimes the amount of swiping the card is relatively large. The handling fee will be deducted from the consumer's credit card amount. The remaining money is the actual amount of money received by the merchants, and some enterprises are reluctant to let consumers swipe their credit cards. Because if the user wants to swipe the credit card, he needs to bear the handling fee.

1. swipe your card directly on the POS machine and charge it at the standard rate of 0.6%. The rate of third-party POS machines will be higher, and a single service fee will be charged. No matter how many rates are charged, the standard rates will be implemented.

2. Flash payment card has the function of small double exemption. By default, transactions that do not exceed 1 1,000 yuan are executed at a preferential rate of 0.38%, and those that exceed the standard rate of 0.6% are charged.

If the cardholder spends 10000 yuan directly by swiping the card, then the cardholder does not need to pay the handling fee. Users can enjoy an interest-free repayment period as long as they repay on time within the specified repayment period, and cardholders do not need to pay any interest and handling fees. If the cardholder can't repay in full within the specified time, then in order to avoid installment, the user can choose to apply for installment or the minimum repayment amount, and the installment repayment needs to pay a handling fee, which is different in different periods. If the user chooses to repay the minimum repayment amount, he/she needs to pay the interest fee at the daily interest rate of 0.05%. At the same time, the minimum repayment interest of the credit card is compounded monthly until the cardholder pays off all debts.

Minimum repayment amount of credit card = consumption amount within credit line × 10%+ cash transaction amount in advance × 100%+ unpaid part of previous minimum repayment amount × 100%+ consumption amount exceeding credit line × 100%+ all expenses and interest ×/kloc- If the cardholder uses a credit card to withdraw cash, a handling fee will be charged according to a certain proportion of the cash withdrawal amount. Different banks such as China Everbright Bank, Agricultural Bank and Bank of Communications charge 2.5% cash withdrawal fee. Usually, the withdrawal fee is 1%-3% of the withdrawal amount, which means that the withdrawal fee is 10000 yuan, and the fee is about 100 yuan -300 yuan. In addition to the handling fee, you need to charge five ten thousandths of interest every day to withdraw cash.

How to calculate the handling fee for swiping a credit card?

The handling fee for swiping a credit card is 1%-2.5% paid by the merchant to UnionPay, and no personal responsibility is required. It is illegal for merchants to let consumers bear the handling fees themselves. If the merchant asks the consumer to pay the handling fee himself, the consumer can refuse and complain to the UnionPay customer service center.

For POS merchants, the transaction fee of UnionPay card will be deducted for each transaction; For general supermarkets, 0.38% will be deducted; For general merchants, 0.78% will be deducted; Jewelry, catering and entertainment business, deducting1.25%; And for merchants in the wholesale market, 0.78% will be deducted, regardless of credit cards and debit cards. It is the same standard.

Extended data:

Precautions for credit card use:

Don't be too early: try not to swipe your card before 9: 00 am, because according to common sense, most shops are not open yet.

Don't be too late: 1 1 Try not to swipe your card in the evening, because according to common sense, most shops are closed and online transactions are not affected by time.

Don't brush integers: don't brush integers such as 10000, 5000, etc., and try not to use decimal points every time you swipe your card. The amount of swiping your card should not be repeated or regular.

People's Network-Who pays the handling fee for swiping a credit card in a 4S shop?

Baidu encyclopedia-credit card handling fee

How to calculate the credit card handling fee of China Bank?

For credit card overdraft consumption transactions, BOC generally provides an interest-free repayment period of 20-50 days. If the credit card is repaid in full before the interest-free repayment period, no overdraft interest will be charged; If the repayment is not made in full before the interest-free repayment period, overdraft interest will be charged according to the actual amount owed and the actual number of days owed from the transaction bookkeeping date, and the overdraft interest rate will be 0.5 ‰ of the daily interest rate, with compound interest calculated on a monthly basis.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

How to calculate the installment fee of credit card in China Bank?

The maximum fee standard for installment consumption of China Bank Tesco is: 0.65% for the third installment, 0.60% for the sixth installment, 0.60% for the ninth installment, 0.60% for 12 installment, 0.65% for 18 installment and 0.65% for the 24th installment, for example, 1000 yuan. Because each region will also carry out preferential activities of handling fee rate according to market conditions, the specific handling fee will be subject to the display at the time of business handling.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.

So much for the introduction of how to calculate the credit card handling fee rate.